First Neighbor Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
First Neighbor Bank, N.A. is an FDIC-insured commercial bank headquartered in Toledo, IL, established in 1933 (FDIC certificate 3747), and it is supervised by the OCC. At Q2 2026 it reported total assets of $736.0M, up 11.1% from Q2 2025, the 69th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.62% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3747
- Headquarters
- Toledo, IL
- Established
- 1933
- Total assets, Q2 2026
- $736.0M
- Assets vs Q2 2025
- +11.1%
- Tier 1 leverage ratio, Q2 2026
- 10.62%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 071109082
- Latest call report
- Q2 2026, FFIEC 051 · First Neighbor Bank, N.A. call report
- Holding company
- FIRST NEIGHBORHOOD BANCSHARES, INC.
- Asset rank in state
- 69th of 319 in Illinois
First Neighbor Bank, N.A., based in Toledo, Illinois, reported $736 million in assets at June 30, 2026, up 11.1% from a year earlier. It carries problem assets equal to 12.6% of the capital and reserves that would absorb them, 4.8 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 2.1% over the year, lower than about three-quarters of banks its size (median 5.5%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 2.00% of loans, down from 3.10% a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 2.1% and deposits rose 12.1%.
As of June 30, 2026, First Neighbor Bank, N.A. reported a return on assets of 1.07%, a nonperforming-loan ratio of 2.00% and a Texas ratio of 12.64%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Neighbor Bank, N.A. is the 69th largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets fell 0.5% to $736.0M, loans rose 0.9% and deposits fell 0.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 19.7% of total loans, followed by commercial and industrial loans at 19.5%. Its 10 offices in the FDIC Summary of Deposits are in 9 cities in IL; its Toledo 2 offices book 35% of its branch deposits. On its Q2 2026 call report, First Neighbor Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 N Meridian St, Toledo, IL 62468
- County
- Cumberland
- Metro Area
- Effingham, IL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1933
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 133
- Domestic deposits
- $604.2M
- Allowance for credit losses
- $6.7M
- Net charge-offs (YTD)
- $200K
- Average total assets
- $736.5M
- Average total loans
- $525.6M
- Average interest-bearing deposits
- $489.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3747
- Fed RSSD
- 413646
- Website
- http://www.firstneighbor.com →
- Parent Holding Company
- FIRST NEIGHBORHOOD BANCSHARES, INC. (RSSD 1881934)
- Ultimate Parent
- RSSD 2558505
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Neighbor Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Neighbor Bank, N.A.'s total assets ran between $593.7M (Q4 2023) and $739.8M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$736.0M total assets against $662.3M; $657.2M total liabilities against $591.7M.
$522.0M net loans and leases against $533.5M; $604.2M total deposits against $539.1M.
$85.1M securities against $60.1M; $81.7M cash and balances due against $24.6M.
$10.6M total interest income against $10.0M; $3.4M total interest expense against $3.2M.
$7.2M net interest income against $6.9M.
$1.4M total noninterest income against $1.2M; $5.9M total noninterest expense against $5.0M.
$107K provision for credit losses against $700K.
$2.0M net income against $1.8M.
1.07% return on assets against 1.10%; 4.20% net interest margin against 4.43%.
10.62% tier 1 leverage ratio against 10.73%.
Inside the full First Neighbor Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Neighbor Bank, N.A. rankings
Its closest position to the top of a national ranking is 436 of 3,640, for Texas Ratio; its furthest is 2,569 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.00% (Q3 2024) to 1.46% (Q4 2024) and its net interest margin ran from 4.20% (Q2 2026) to 4.45% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.62% | 1.07% | 2.00% | 12.64% | 4.20% |
| Q1 2026 | 10.46% | 1.36% | 2.58% | 16.39% | 4.29% |
| Q4 2025 | 10.38% | 1.37% | 3.38% | 22.89% | 4.26% |
| Q3 2025 | 10.71% | 1.12% | 3.50% | 24.14% | 4.23% |
| Q2 2025 | 10.73% | 1.10% | 3.10% | 22.13% | 4.43% |
| Q1 2025 | 10.58% | 1.13% | 2.35% | 16.78% | 4.33% |
| Q4 2024 | 10.67% | 1.46% | 2.38% | 17.35% | 4.45% |
| Q3 2024 | 10.59% | 1.00% | 1.44% | 10.30% | 4.29% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Neighbor Bank, N.A. (main office) | Toledo , IL | 62468 | $210.5M |
| Charleston Branch | Charleston , IL | 61920 | $81.6M |
| Newman Branch | Newman , IL | 61942 | $64.9M |
| Greenup Branch | Greenup , IL | 62428 | $64.5M |
| Neoga Branch | Neoga , IL | 62447 | $44.5M |
| Casey Branch | Casey , IL | 62420 | $42.4M |
| Mattoon Branch | Mattoon , IL | 61938 | $36.5M |
| Paris Branch | Paris , IL | 61944 | $34.4M |
| Arthur Branch | Arthur , IL | 61911 | $24.9M |
| First Neighbor Bank, National Association Branch | Toledo , IL | 62468 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 15, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 15, 2002 | Structure Change | Acquired First State Bank of Newman Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 25, 2001 | Structure Change | Acquired The Greenup National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 23, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 90 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $3.6M approved, $1.8M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Neighbor Bank, N.A.
What are First Neighbor Bank, N.A.'s total assets?
As of the Q2 2026 filing, First Neighbor Bank, N.A. reported total assets of $736.0 million in its FFIEC call report.
Where is First Neighbor Bank, N.A. headquartered?
It is headquartered in Toledo, IL, United States.
When was First Neighbor Bank, N.A. founded?
It was established in 1933, per the FDIC institution directory.
Is First Neighbor Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3747). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Neighbor Bank, N.A.?
First Neighbor Bank, N.A.'s primary federal regulator is the OCC.
How many branches does First Neighbor Bank, N.A. operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Neighbor Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 12.64% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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